EnRich Your Life

What does it actually mean to plan for your health, not just react to problems? In this episode of EnRich Your Life, Rich sits down with Dr. Raymond Zakhari, a triple board-certified nurse practitioner in adult health, family practice, and psychiatric–mental health, and founder of Metro Medical Direct, to talk about what proactive health planning can look like as you move through your 50s and into retirement.Dr. Zakhari breaks down how everyday people quietly drift into what he calls "permanent patient" status, why the healthcare system is designed around silos rather than solutions, and what five non-negotiables you should be focused on right now, starting with sleep.They also dig into the sandwich generation reality, caring for aging parents without a plan, the rising impact of cannabis on mental health, and why concierge medicine may be the model that finally puts patients back in control.If you've spent years planning your finances, but not enough time planning  for your health, this episode is your wake-up call.Filmed and recorded at Studio on the Avenue/LMC MediaMamaroneck, NYhttps://lmcmedia.org/Produced and Edited by Vekterlyhttps://www.vekterly.com/Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

Most people assume Medicare, Medicaid, or their family will handle their long term care. They won’t, at least not the way you're hoping.In this episode, host Rich Leimgruber sits down with Ray Hickson, a 25-year long-term care planning specialist, to unpack one of the most financially devastating blind spots in retirement planning. From nursing home costs topping $180,000 a year in New York to the surprising other costs, even with Medicaid, this conversation will change how you think about your future, and your parents'.3 Things You'll Learn in This Episode:Why Medicaid may not be an option — and what happens to your family when your savings runs outThe difference between traditional and hybrid long-term care policies — and which one might actually leave money for your heirsWhen to start planning (hint: it's earlier than you think) — and the health event that could close the door on your options foreverSources for statistics mentioned in this episode:1. Will You Need Long-Term Care? Here’s What the Statistics Saymoney.com/long-term-care-rising-needs/2.Source: Long-term care statistics 2026www.singlecare.com/blog/news/long-term-care-statistics/3.How Much Care Will You Need?acl.gov/ltc/basic-needs/how-much-care-will-you-needFilmed and recorded at Studio on the Avenue/LMC MediaMamaroneck, NYhttps://lmcmedia.org/Produced and Edited by Vekterlyhttps://www.vekterly.com/Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

Every time you download a free app, accept terms and conditions, or search online, someone is building a profile on you, and most people have no idea how detailed that profile really is.In this episode, Rich sits down with Jammie, founder of TechInHerStep and one of the leading voices in digital privacy education, to break down what's actually happening to your data, and what you can do about it starting today.You'll learn:Why deleting an app doesn't delete your dataHow companies use your digital profile to charge you more than your neighbor for the same productThe 4 things you need to protect most, and the simple tools to do itWhy privacy isn't about hiding, it's about taking back controlIf you've ever wondered why your phone seems to know exactly what you were just thinking about, this episode will finally explain it.Listen now and share it with someone you love.Filmed and recorded at Studio on the Avenue/LMC MediaMamaroneck, NYhttps://lmcmedia.org/Produced and Edited by Vekterlyhttps://www.vekterly.com/Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

Your relationship with money isn't just about numbers, it's about mindset. This episode explores how limiting beliefs, fear, and scarcity thinking prevent people from achieving financial freedom, and how shifting to gratitude and abundance can transform your wealth-building journey. Former hedge fund manager Joel Solomon shares unconventional strategies from his bestselling book The Nine Money Rules Millionaires Use, including how your emotions drive every financial decision you make. Whether you're paralyzed by investment anxiety or simply want to align your inner beliefs with your financial goals, this conversation offers practical tools to break free from the mental blocks holding you back.Episode Highlights:How to recognize when fear is driving your financial decisions and simple techniques to shift into intentional money management.Why your everyday actions reveal your true money beliefs and how to identify which beliefs are limiting your wealth potential.The neuroscience behind gratitude practices and how a simple nightly ritual can rewire your brain for abundance and better financial outcomes.Filmed and recorded at Studio on the Avenue/LMC MediaMamaroneck, NYhttps://lmcmedia.org/Produced and Edited by Vekterlyhttps://www.vekterly.com/Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

Scaling a business sounds exciting, until growth starts creating chaos. In this episode of the EnRich Your Life Podcast, Rich Leimgruber sits down with Brian O’Connor, founder of Aevisor Solutions, to break down how business owners can scale with AI without losing control.Brian explains how operational discipline, clean data, and practical AI tools help founders improve cash flow, fix hidden inefficiencies, and build businesses that are scalable and sellable.Key Highlights:•Common operational mistakes growing companies make•How AI improves forecasting, pricing, and inventory decisions•Why dashboards fail, and where AI should live instead•Early signs your business isn’t ready for an exitDisclaimer: While AI can be helpful, it can also make mistakes, reflect biases, or produce incomplete information. Any AI-generated content should be considered informational only and not a substitute for professional advice. Always verify important details independentlyFilmed and recorded at Studio on the Avenue/LMC MediaMamaroneck, NYhttps://lmcmedia.org/Produced and Edited by Vekterlyhttps://www.vekterly.com/Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

Setting up a business retirement plan isn’t just about saving for later, it’s about reducing taxes, staying compliant, and making smarter decisions as your business grows.In this episode of EnRich Your Life, Rich sits down with a seasoned retirement planning Third Party Administrator (TPA), Brad Scherer. His role is to break down how business owners should think about retirement plans, what mistakes to avoid, and how recent regulatory changes can impact your strategy.Whether you already have a plan or are starting from scratch, this conversation will help you understand your options and avoid costly errors.Key highlights:How to choose the right retirement plan for your business goalsCommon compliance mistakes business owners don’t realize they’re makingWhat SECURE Act 2.0 changes mean for 401(k)s and catch-up contributionsWhen a cash balance plan actually makes senseDisclosure:Brad Scherer is not a client of Richard Leimgruber, no compensation cash or otherwise was not paid in exchange for his appearance in this podcast, and there are no known conflicts of interest. Filmed and recorded at Studio on the Avenue/LMC MediaMamaroneck, NYhttps://lmcmedia.org/Produced and Edited by Vekterlyhttps://www.vekterly.com/Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

In this episode of Enrich Your Life, host Rich Leimgruber sits down with Julia Fuentes, a Financial Planning and Coaching Strategist at Vanguard with over 20 years of experience in financial services. They break down the complex world of Roth conversions, exploring when it makes sense to pay taxes now versus later in retirement. Julia shares her personal journey into investing, starting with her first Roth IRA as a high school student, and walks listeners through the strategic advantages of Roth accounts, including tax-free growth, inheritance benefits, and no required minimum distributions. The conversation covers essential topics like the backdoor Roth strategy, the pro-rata rule pitfalls, and Vanguard's break-even tax rate method for determining optimal conversion timing. Whether you're just starting your career or planning for retirement, this episode provides practical insights into maximizing your tax efficiency and leaving a tax-free legacy.Key Highlights The Inheritance Game-Changer: Understanding the 10-Year RuleThe Pro-Rata Rule Trap: How to prevent your Backdoor Roth Strategy from BackfiringStrategic Timing: When Market Downturns Create Conversion OpportunitiesFilmed and recorded at Studio on the Avenue/LMC MediaMamaroneck, NYhttps://lmcmedia.org/Produced and Edited by Vekterlyhttps://www.vekterly.com/Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

Host Richard Leimgruber sits down with Stephanie Bellofatto, Director of Commercial and Residential Accounts at ServPro of Putnam County and Northwest Southeast Duchess County, to discuss a critical but often overlooked aspect of your life,  emergency preparedness. In this conversation, Stephanie reveals why high-net-worth homeowners and business owners frequently neglect disaster planning until it's too late, and introduces ServPro's complimentary Emergency Ready Profile (ERP) programDiscover the most common oversight homeowners make (hint: it involves utility shutoffs), learn why taking time to prepare now dramatically reduces chaos later, and understand how proper documentation can expedite insurance claims after fire, water, or mold damage. Whether you're protecting a multi-million dollar estate or a family business, this episode offers actionable strategies to safeguard your most valuable assets.Filmed and recorded at Studio on the Avenue/LMC MediaMamaroneck, NYhttps://lmcmedia.org/Produced and Edited by Vekterlyhttps://www.vekterly.com/Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

In this episode of the EnRich Your Life podcast, host Rich Leimgruber sits down with Marcel Benjamin, Fixed Income Strategist at State Street Investment Management, to discuss the essential shift in your financial strategy as you move from your wealth accumulation (growth) phase into retirement (income).Have you spent years building up your savings and are now wondering how to turn that nest egg into a reliable paycheck? This episode is for you! Marcel breaks down the role of bonds and introduces an innovative approach to managing your income portfolio: bond ladder Exchange-Traded Funds (ETFs)What You'll Learn:Bonds Made Simple: Get a clear, layman's explanation of what a bond is and how it differs from owning stocks.The Power of Bond Ladders: Discover how staggering the maturity dates of your bonds (a "bond ladder") can help reduce the risk of having to reinvest all your money when interest rates are low (reinvestment risk).A Modern Solution: ETF Bond Ladders: Learn about using low-cost, actively managed ETFs that are specifically designed to mature like individual bonds. This approach offers the diversification and efficiency of ETFs, avoiding the high costs and lack of transparency often found when trading individual bonds.Matching Your Money to Your Life: Understand how these "stated maturity" ETFs can be used for Asset-Liability Matching (ALM), tips on aligning your investments with future cash needs, like a child's college tuition, buying a second home, or simply creating a planned retirement income stream.Corporate vs. Municipal Bonds: Explore the trade-offs between higher-yielding corporate bonds and the potential tax benefits of state and local municipal bonds.Whether you're looking to create a more tax-aware income stream or simply seeking a different path for a portion of your wealth, this episode is full of strategic insights you can use immediately.Filmed and recorded at Studio on the Avenue/LMC MediaMamaroneck, NYhttps://lmcmedia.org/Produced and Edited by Vekterlyhttps://www.vekterly.com/Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

When it comes to preserving wealth, minimizing taxes, and protecting your family’s future, advanced estate planning can make all the difference. In this episode of EnRich Your Life, host Rich Leimgruber sits down with Kylan Johnson, founder of Hudson Valley Estate Planning, to unpack real-world strategies for high-net-worth families and business owners.They discuss how trusts, tax laws, and proper planning can prevent unnecessary losses, and why the right moves today can protect generations to come. Whether you’re caring for aging parents, planning for a second marriage, or managing a growing estate, this episode delivers clear, practical guidance you can actually use.KEY HIGHLIGHTS:• How to structure your estate to potentially reduce federal and state estate taxes• The role of irrevocable trusts, life insurance trusts, and dynasty trusts in long-term wealth protection• Planning for aging parents or special needs children without losing government benefits• Common estate planning mistakes, and how to prevent them before it’s too lateFilmed and recorded at Studio on the Avenue/LMC MediaMamaroneck, NYhttps://lmcmedia.org/Produced and Edited by Vekterlyhttps://www.vekterly.com/Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

In this episode of EnRich Your Life, host Richard Leimgruber dives into the power of goal setting, how clarity, mindset, and emotional intelligence work together to shape financial and personal success. Joined by Kristin Kenney, founder of High Gear Advisors and a Harvard-certified expert in negotiation and conflict resolution, they explore how aligning your goals with your emotions and values can unlock progress even during life’s toughest transitions.Key Highlights:Why goal-based planning works: Connects your financial goals with emotional clarity and long-term directionThe mindset shift: Moving from emotional decision-making to strategic thinking.Common roadblocks: Time, avoidance, and fear of change, and how to overcome them.Emotional intelligence: How awareness of your feelings improves decision-making.Filmed and recorded at Studio on the Avenue/LMC MediaMamaroneck, NYhttps://lmcmedia.org/Produced and Edited by Vekterlyhttps://www.vekterly.com/Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

Episode Description:Navigating the complexities of Medicare can be overwhelming, but this episode simplifies the process for those turning 65 or assisting a loved one. Host, Rich Leimgruber, speaks with certified Medicare insurance professionals Traci O'Brien, and Giovanna Sidoti, Medicare Agent, who break down the program's intricacies, from enrollment pitfalls to hidden costs. They explain why Medicare coverage is highly personal and not a one-size-fits-all solution, highlighting how different choices can have lasting consequences on both health and finances.Key Highlights:Crucial Enrollment Deadlines: Learn about the Initial Enrollment Period around your 65th birthday and the serious consequences of missing it.Medigap vs. Medicare Advantage: Get a clear breakdown of the two primary paths to supplement Original Medicare.The Value of an Expert Broker: Find out why working with a local, licensed insurance agent costs you nothing extra.Protecting Against Scams: Learn the biggest red flags and how having an agent can help protect you or rectify the situation if you are targeted.Filmed and recorded at Studio on the Avenue/LMC MediaMamaroneck, NYhttps://lmcmedia.org/Produced and Edited by Vekterlyhttps://www.vekterly.com/Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

Many parents and grandparents misunderstand how 529 plans work. In this episode, Rich Leimgruber talks with Kris Adrian, National 529 Specialist at JP Morgan, to clear up myths and explain how families can use these plans to fund education in a tax-efficient way.Our conversation covers how 529s have expanded beyond traditional college savings, what recent rule changes mean, and why every family should understand their options.Key Highlights:529 flexibility: Funds cover college, trade school, apprenticeship programs, and can transfer tax-free to siblings, cousins, or even future grandchildren.New rules that allow up to $35,000 of leftover funds to roll into a Roth IRA under Secure Act 2.0.FAFSA benefits: Parent-owned 529s count at 5.64% in the formula, while grandparent-owned plans now count at 0%.Estate strategy: Family Members can gift up to $190,000 (married) in a lump sum using the five-year election, while keeping control of the account.This episode gives you the facts you need to avoid costly mistakes, take advantage of tax benefits, and plan smarter for your family’s future.Filmed and recorded at Studio on the Avenue/LMC MediaMamaroneck, NYhttps://lmcmedia.org/Produced and Edited by Vekterlyhttps://www.vekterly.com/Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

Crypto often feels like hype, headlines, and confusion. In this episode of EnRich Your Life, Rich sits down with Howie Levine of Bitwise to break it down in plain language, what crypto actually is, how blockchain works, and why Bitcoin, stablecoins, and ETFs are changing the investment landscape.Whether you’re crypto curious, skeptical, or simply want to understand how it might fit into a portfolio, this conversation cuts through the noise and focuses on what matters.Key Highlights:Blockchain technology and crypto assets broken downHow stablecoins differ from BitcoinThe role of ETFs in making crypto more accessibleReal-world examples of blockchain in action (DMV, real estate deeds)How regulation is shaping the future: GENIUS Act, CLARITY Act, and Anti-CBDCDisclosures:*BASED ON OTCMARKETS.COM SHOWING THE TWO LARGEST CRYPTO INDEX FUNDS AS OF 8/12/2025​https://link.edgepilot.com/s/aa1ce8b0/Qk-rF3CAfUCG1ECwkGGACA?u=https://www.otcmarkets.com/stock/GDLC/quote https://link.edgepilot.com/s/68763852/qNpFMq28zUueE1ta8ZJk2g?u=https://www.otcmarkets.com/stock/BITW/quote**Certain of the Fund’s investments may be subject to the risks associated with investing in crypto assets, including cryptocurrencies and crypto tokens. Because crypto assets are a new technological innovation with a limited history, they are a highly speculative asset. Future regulatory actions or policies may limit actions that can be taken with regard to crypto assets. The price of a crypto asset may be impacted by the transactions of a small number of holders of such crypto asset. Crypto assets may decline in popularity, acceptance or use, which may impact their price.***As per IMF Connect Article dated 5/23/25: https://www.imfconnect.org/content/dam/imf/News%20and%20Generic%20Content/GMM/Special%20Features/Crypto%20Assets%20Monitor.pdfFilmed and recorded at Studio on the Avenue/LMC MediaMamaroneck, NYhttps://lmcmedia.org/Produced and Edited by Vekterlyhttps://www.vekterly.com/Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

We’re taking a short summer break! ☀️No new episodes in August, but Rich will be back in September with fresh conversations on everything from Bitcoin and 529 plans to Medicare enrollment and setting wealth goals with clarity.He’s heading to the beach for some much-needed rest, and hopes you’re getting in some self-care too.Until then, catch up on any episodes you’ve missed. See you soon.  Filmed and recorded at Studio on the Avenue/LMC MediaMamaroneck, NYhttps://lmcmedia.org/Produced and Edited by Vekterlyhttps://www.vekterly.com/Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

In Part 2 of this week’s conversation, we unpack CLOs, Collateralized Loan Obligations, and why they’ve quietly become a go-to income strategy for banks, asset managers, and sophisticated investors.Rich talks with Shiloh Bates of Flat Rock Global about how CLOs are built, who invests in them, and how you can tap into higher-yielding opportunities with decades of strong performance and surprisingly low default rates.If you want to understand how smart money earns steady returns through structured credit, this episode is for you.Episode Key Highlights:•What is a CLO?•CLO equity vs. CLO debt•Who should consider CLOsWant to know more about our Guest?Shiloh BatesChief Investment OfficerFlat Rock Globalhttps://flatrockglobal.com/Filmed and recorded at Studio on the Avenue/LMC MediaMamaroneck, NYhttps://lmcmedia.org/Produced and Edited by Vekterlyhttps://www.vekterly.com/Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

In this episode, we break down private credit investing. What it is, how it works, and why more investors are using it to generate income with less day-to-day volatility.Chief Investment Officer from Flat Rock, Shiloh Bates, explains how these loans are structured, who borrows the money, and what makes this strategy attractive even in a high-interest-rate market.They get into real examples, the risks you need to know, and how investors are getting access without being ultra-wealthy. If you’ve heard the term “private credit” and wondered what it actually means, this is the episode for you.Episode Highlights:What is private credit?Why investors are paying attentionHow risk is managedInterval fund accessWant to learn more about our Guest?Shiloh BatesChief Investment OfficerFlat Rock Globalhttps://flatrockglobal.com/Filmed and recorded at Studio on the Avenue/LMC MediaMamaroneck, NYhttps://lmcmedia.org/Produced and Edited by Vekterlyhttps://www.vekterly.com/Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

Think estate planning is only for the wealthy? Think again. In this episode, Rich sits down with estate planning attorney Samara Halpern to break down what you actually need, whether you’re 18 or 80. From wills and healthcare proxies to power of attorney and trusts, this conversation covers the essentials most people overlook until it’s too late.Episode Highlights:Why every adult over 18 needs a healthcare proxyThe real difference between a will and a trustHow to avoid costly mistakes that can leave your family stuck in probateWant To Know More About Our Guest:  From the U.S. Attorney’s Office to the NYPD, Samara Halpern’s path to founding Halpern Law, P.C. reflects a lifelong commitment to making the law practical, protective, and personal.Samara Halpern,Managing PartnerHalpern Law, P.C.+1 (914) [email protected] | LinkedInFilmed and recorded at Studio on the Avenue/LMC MediaMamaroneck, NYhttps://lmcmedia.org/Produced and Edited by Vekterlyhttps://www.vekterly.com/Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

In Part 2 of our special episode with David Sobel of the Alzheimer’s Association Hudson Valley Chapter, we explore how to get involved, whether by walking, volunteering, or sponsoring, and the emotional impact of the Walk to End Alzheimer’s. We also break down key advocacy efforts, powerful fundraising events, and the 10 early warning signs to watch for.Key HighlightsWhat the colored flowers at the Walk to End Alzheimer’s actually representHow to join or start a Walk team (including for businesses) and what sponsorship really meansThe 10 early warning signs of Alzheimer’s, and when to take actionSupport our Walk to End Alzheimer’s team - Join the EnRich Your Life Podcast as we walk to raise funds for Alzheimer’s care and research.EnRich Your Life Podcast Walk To End Alzheimer's Team PageWant to Know More About Our Guest:David SobelExecutive DirectorAlzheimer's Association, Hudson Valley [email protected]/hudsonvalleyAlzheimer's Association 24/7 Helpline: 1-800-272-3900Source: All statistics mentioned are from ALZ.org, the Alzheimer’s Association.Filmed and recorded at Studio on the Avenue/LMC MediaMamaroneck, NYhttps://lmcmedia.org/Produced and Edited by Vekterlyhttps://www.vekterly.com/Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

In Part 1 of this special two-part episode, Rich talks with David Sobel, Executive Director of the Alzheimer’s Association Hudson Valley Chapter, about the realities of Alzheimer’s, early signs, the role of caregivers, and how local families can access free support. Learn about breakthrough treatments, volunteer opportunities, and the incredible work happening right here in Westchester County.Key Highlights:The first step to take if you think a loved one may have dementia (hint: it’s free and 24/7)How the Alzheimer’s Association is funding research while offering real-time support for caregiversOpportunities to get involved in the fight against Alzheimer'sSupport our Walk to End Alzheimer’s team - Join the EnRich Your Life Podcast as we walk to raise funds for Alzheimer’s care and research.EnRich Your Life Podcast Walk To End Alzheimer's Team PageWant to Know More About Our Guest:David SobelExecutive DirectorAlzheimer's Association, Hudson Valley [email protected]/hudsonvalleyAlzheimer's Association 24/7 Helpline: 1-800-272-3900Source: All statistics mentioned are from ALZ.org, the Alzheimer’s Association.Filmed and recorded at Studio on the Avenue/LMC MediaMamaroneck, NYhttps://lmcmedia.org/Produced and Edited by Vekterlyhttps://www.vekterly.com/Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

Aging and the family caregiving that comes with it is no longer a far‑off worry. Gerontologist Rebecca Lippel joins host Richard Leimgruber to unpack what today’s “silver tsunami” means for your wallet, your parents, and your own health. Together they tackle startling U.S. demographics, the role of advanced directives, why long‑term‑care insurance is best locked in by age 55, and how caregivers can trade guilt for practical help. From choosing the right home‑care aide to building a step‑by‑step financial roadmap, this episode pairs heart with hard numbers to keep loved ones safe and solvent as they age.4 Key Takeaways:Plan before the panic.Caregiver burnout is a warning light, not a badge of honor.Match care to the person, not the other way around.Secure long‑term care insurance while premiums are friendly.Want To Learn More about Our Guest:Rebecca LippelDirector of Care ManagementLiveWell Care Management1-917.923.1463rebecca.lippel@livewellcm.comwww.LiveWellCM.comAs a Gerontologist and Certified Dementia Practitioner she has a deep understanding of the unique and often complex needs of aging adults. Prior to senior living she was the Director of a social model day program for older adults with Alzheimer's disease and related dementias and has worked for AARP's NY state office and their headquarters in Washington DC.Filmed and recorded at Studio on the Avenue/LMC MediaMamaroneck, NYhttps://lmcmedia.org/Produced and Edited by Vekterlyhttps://www.vekterly.com/Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

Life Insurance: How Much, What Kind, and When to ConvertLife insurance feels opaque. In 30 minutes Rich Leimgruber and 30-year industry professional, Jim Feldesman unpack:• Term vs. permanent, plain-English math• The needs-analysis shortcut that beats “10× salary” rules• Hidden living benefit riders (critical illness, LTC hybrids)• How to properly complete your application• The one mistake that makes you un-insurable for yearsNo tips to “get rich quick,” just the facts so you can protect the people who count on you.Want To Learn More About Our Guest?James Feldesman, Financial RepresentativeWealthBridge Financial Group, www.wealthbridgefg.com+1 914 208 [email protected]: Living Benefits are provided by no additional premium Accelerated Benefit Riders.  Receipt of Accelerated Benefits will reduce the Cash Value and Death Benefit otherwise payable under the policy, may result in a taxable event, and may affect your client's eligibility for public assistance programs. Riders are supplemental benefits that can be added to a life insurance policy and are not suitable unless the client has a need for life insurance. Riders are optional, may require additional premium, and may not be available in all states or on all products. The use of cash value life insurance to provide a resource of income assumes that there is first a need for the death benefit protection.  The ability of a life insurance contract to accumulate sufficient cash value to help meet accumulation goals will be dependent upon the amount of extra premium paid into the policy, and the performance of the policy, and is not guaranteed.  Policy loans and withdrawals reduce the policy’s cash value and death benefit and may result in a taxable event.  Surrender charges may reduce the policy's cash value in early years. Jim is a Registered Representative and Investment Adviser Representative of/ and offers securities and investment advisory services solely through Equity Services, Inc. (ESI), Member FINRA/SIPC, 675 Third Avenue, Suite 900, New York, NY 10017, 212-661-1600 or 212-986-0400. All other entities and persons are independent of ESI. TC7990551(0525)1Filmed and recorded at Studio on the Avenue/LMC MediaMamaroneck, NYhttps://lmcmedia.org/Produced and Edited by Vekterlyhttps://www.vekterly.com/Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

Most people don’t realize they’re underinsured, until it’s too late.In this episode, Rich sits down with insurance expert Ed Gajdosik to talk about the real cost of being underinsured, why flood insurance isn’t just for flood zones, and how umbrella policies protect your wealth when disaster strikes. They unpack what most people get wrong about auto and homeowners insurance, how inflation affects your coverage, and why a quick review of your policy might be the smartest financial move you make this year.In this episode:Why your home’s appreciation might leave you underinsuredWhat inflation guard is and what it really coversHow flood insurance works, even outside flood zonesThe truth about liability limits and personal riskUmbrella policies: what they cover and why they matterWhether you should add your teen driver to your policy, or notChapter Markers02:07 Importance of Regular Insurance Reviews03:33 Understanding Home Insurance Coverage06:25 Flood Insurance: Not Just for Flood Zones08:36 Navigating Auto Insurance for New Drivers11:09 The Role of Liability and Uninsured Motorist Coverage15:31 Understanding Umbrella Policies16:17 Real-Life Example: The Importance of Umbrella Policies17:49 Litigious Society and Rising Costs19:16 The Importance of Regular Insurance Reviews23:38 Telematics and Future Trends in Auto Insurance27:26 Factors Affecting Insurance RatesWant To Know More About Our Guest?Ed Gajdosik has 30+ years of financial services experience, 10 years as insurance agency owner of GC Insurance Group, providing auto, home, condo, co-op, and life insurance, and four time Honor Ring Award Recipient.Insurance Licenses in both New York and ConnecticutContact:Ed GajdosikPhone: (914) [email protected]: https://agents.allstate.com/edward-gajdosik-larchmont-ny.htmlFacebook | Instagram | LinkedIn Filmed and recorded at Studio on the Avenue/LMC MediaMamaroneck, NYhttps://lmcmedia.org/Produced and Edited by Vekterlyhttps://www.vekterly.com/Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

In this episode, Rich talks with Michael Sieja (“Mortgage Mike”) about how to navigate the home lending process smarter. Whether you’re a first-time buyer, refinancing, or tapping your home equity, they break down different mortgage options, what documents to prepare, why your credit score matters, and the best strategies to strengthen your offer. Takeaways:Understand mortgage options: conventional, FHA, VA, HELOCsHow much you should really put downThe surprising impact of credit scores on loan approvalPMI: what it costs and when it endsUsing home equity lines smartlyWhy pre-approvals (& commitment letters) matterHow to shop smarter beyond your local bankWant to Know More About Our Guest?Michael Sieja, Mortgage Loan OriginatorCrossCountry [email protected]+19145758304WebsiteFacebookInstagramLinkedInTikTokYouTubeMichael Sieja is a dedicated loan officer based in Purchase, NY, helping clients navigate the mortgage process with clarity and confidence. With over two decades of experience, Michael and his team at CrossCountry Mortgage offer a wide range of home financing options, including conventional, FHA, VA, and unique specialty programs. His commitment is simple: to guide each client through every step, from pre-approval to closing, with straightforward advice and personalized support.Disclaimer: Examples and information provided in this interview are for illustration purposes only and are not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. All loans subject to underwriting approval. Certain restrictions apply. Call for details. All borrowers must meet minimum credit score, loan-to-value, debt-to-income, and other requirements to qualify for any mortgage program. CrossCountry Mortgage, LLC NMLS3029 NMLS64666 (www.nmlsconsumeraccess.org). Equal Housing Opportunity. Filmed and recorded at Studio on the Avenue/LMC MediaMamaroneck, NYhttps://lmcmedia.org/Produced and Edited by Vekterlyhttps://www.vekterly.com/Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

In this episode, Rich sits down with cybersecurity expert Oscar Capel to break down how identity theft happens, and how you can stop it. From weak passwords to risky public Wi-Fi habits, they cover the real-world consequences of digital carelessness and how a few simple tools like VPNs, password managers, and multi-factor authentication can protect your personal data.  This episode underscores the emotional toll of identity theft and the importance of staying vigilant as cyber threats continue to evolve.What you’ll learn:Why email and text scams are getting smarterWhat to do if someone gains access to your computer or personal infoCommon red flags and how to verify before you actHow to talk to your loved ones so they don’t fall victim nextChapter Markers:03:27 Defining Identity Theft and Cloning07:08 Scams: Phishing, Smishing, and More09:39 Preventing Scams and Identity Theft17:05 Medical Identity Theft Risks19:00 The Emotional Impact of Identity Theft19:57 Common Scams and How They Work24:11 The Importance of VPNs and Cybersecurity30:01 Reputation Management and Social Media30:50 Live Cybersecurity Maps and Global ThreatsWant to know more about our Guest?Oscar Capel-Owner, Capel and Associates NYCCITRMS Certified IdentityTheft Risk Management SpecialistLegalShield Independent AssociateTeam leader with The Fuller Center for Housing NYC ChapterPhone: +16465787097Website: https://ocapel.legalshieldassociate.com/Facebook: LegalShieldIndependentAssociateOscarCapelLinkedIn: www.linkedin.com/in/oscar-capelFilmed and recorded at Studio on the Avenue/LMC MediaMamaroneck, NYhttps://lmcmedia.org/Produced and Edited by Vekterlyhttps://www.vekterly.com/Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

Home prices are up. Inventory is down. And if you’re not paying cash, you’re likely getting beat.In this episode of EnRich Your Life, Rich talks with top Westchester realtor Ann Marie Damashek about how buyers can stay competitive in one of the toughest housing markets in decades. They cover financing strategy, inspection traps, how to prep before you even look at listings, and why some buyers are losing out over and over again.If you’re buying your first home, or trying to downsize without getting stuck, this is the real talk you need.Chapter Markers:00:43 Meet Ann Marie Damashek: Real Estate Expert03:02 First Steps for Homebuyers03:27 Financial Considerations and Pre-Approval07:54 Common Homebuying Mistakes to Avoid08:39 The Importance of Working with a Realtor10:32 Navigating the Competitive Housing Market13:16 Understanding Home Inspections and Radon17:06 Choosing the Right Neighborhood and Schools19:57 Competing with Cash Offers31:56 Final Advice and Contact InformationWant to know more about our Guest?Ann Marie Damashek, GRI, CBR, SRES, PSALicensed Associate Real Estate BrokerFive Star Real Estate Agent, Westchester Magazine 2014-2024Real Estate All Stars, Westchester Magazine 2022-2025Contact:140 Larchmont AvenueLarchmont, NY 10538m: 917.623.0624e: [email protected] and recorded at Studio on the Avenue/LMC MediaMamaroneck, NYhttps://lmcmedia.org/Produced and Edited by Vekterlyhttps://www.vekterly.com/Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

Looking to sell your home? This episode features insights from a top-performing realtor with over 23 years of experience, Maureen Connolly with Coldwell Banker. Discover strategies for maximizing your home's value, from smart pricing to effective staging. Learn why choosing the right agent matters and how to navigate today's competitive market with confidence.Key InsightsWhy professional pricing strategy often leads to optimal sale pricesThe "Coming Soon" listing technique that creates buyer competitionBest times to list your home to stand out from other inventoryHow to prepare your home for showings without major renovationsWhat makes cash offers attractive (and when they aren't the best choice)Common seller mistakes to avoid during the selling processChapter Markers:01:37 Meet the Expert Realtor: Maureen Connolly04:53 The Importance of Pricing and Hiring a Realtor06:32 Preparing Your Home for Sale12:18 Evaluating Offers and Cash Buyers15:15 Common Mistakes Sellers Make18:04 Handling Offers and Inspections21:46 Closing Process and Final Walkthrough25:16 Final Advice and Contact Information29:07 Podcast Conclusion and Future TopicsWant to know more about our Guest?Maureen Connolly, CBR,SRES, Certified Real Estate NegotiatorAssociate Real Estate Broker - Coldwell BankerInternational Diamond Society 2023 Top Listing Agent-Coldwell Banker Lower Hudson Valley Office-#1 for Listings SoldTop 1% of Realtors in Westchester/Putnam CountiesMulti-Million Dollar Producer 2003-2023Voted FIVE STAR Real Estate Agent by Westchester Magazine  10 Consecutive YearsLicense: 30CO0948982 [email protected]: Maureen-Connolly.comCell: 914-419-6251Filmed and recorded at Studio on the Avenue/LMC MediaMamaroneck, NYhttps://lmcmedia.org/Produced and Edited by Vekterlyhttps://www.vekterly.com/Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

Exchange-Traded Funds (ETFs) have transformed the way people invest—but how do they actually work, and why are they growing so fast? In this episode of EnRich Your Life Podcast, host Richard Leimgruber sits down with Arthur Nowak from Alger Investments to break down the power of ETFs, the role of AI in investing, and why active management still matters.Key topics covered:What ETFs are and how they compare to mutual fundsThe benefits of ETFs, cost, tax efficiency, and diversificationHow AI is influencing the ETF space and shaping investment strategiesCommon ETF misconceptions and how to build a smarter portfolioAre ETFs the right move for your investment strategy? Listen now and find out!Want to know more about our guest?Arthur Nowak, CFA® Vice President, Client Portfolio Manager - Alger Investments. For more information on Alger Investments, visit the official Alger Investments website.Chapter Markers:00:50 Tax Day Reminder and IRA Contributions01:33 Guest Introduction: Arthur Nowak from Alger Investments04:43 Understanding Exchange Traded Funds (ETFs)13:09 The Rise of Active ETFs14:00 AI and The Future of ETFs18:33 ETFs in Investment Strategies23:41 Conclusion and Final ThoughtsCheckout more from EnRich Your Life and follow us on the web and socials:https://www.enrichlifepodcast.com/https://www.facebook.com/enrichlifepodcast/https://www.youtube.com/@EnrichLifePodcasthttps://www.instagram.com/enrichlifepodcastFilmed and recorded at Studio on the Avenue/LMC MediaMamaroneck, NYhttps://lmcmedia.org/Produced and Edited by Vekterlyhttps://www.vekterly.com/Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

In this episode, Richard is joined by Peter Corritori, Regional Vice President of Catalyst Funds, to discuss the key differences between active and passive investing. Each with over 25 years of experience, Richard and Peter delve into the benefits and risks of each strategy, offering practical insights for both new and experienced investors. They explore asset classes, risk management, diversification, and the impact of market efficiency on investment performance. Tune in to gain valuable knowledge on making smart financial choices that align with your goals.Chapter Markers00:51 Guest Introduction: Peter Corritori01:23 Peter's Career Journey03:11 Active vs Passive Investing: An Overview05:04 Balancing Active and Passive Strategies07:41 Diversification and Risk Management08:50 Insights for New Investors12:14 Tax Implications of Investing Strategies14:36 Final Thoughts and ConclusionWant to know more about our guest, Peter Corritori?-Peter is a Mutual Fund Wholesaler for Catalyst funds covering Westchester, NY and CT.Filmed and recorded at Studio on the Avenue/LMC MediaMamaroneck, NYhttps://lmcmedia.org/Produced and Edited by Vekterlyhttps://www.vekterly.com/Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

Ever wondered how a love for music can pave the way to a thriving career in accounting? Join us as Joe Paldino, the dynamic founder and CEO of Paldino Company CPA, shares his fascinating journey from aspiring musician to a successful CPA.In this next episode of EnRich Your Life, host Rich Leimgruber sits down with Joe, to break down the complexities of tax planning for individuals and small businesses. Joe shares his journey to becoming an accountant, his approach to helping clients navigate tax season, and the importance of proactive financial planning. Together, they cover essential tax strategies and common misconceptions. Whether you’re a W-2 employee, an independent contractor, or a small business owner, this episode delivers practical insights to help you maximize savings and avoid tax pitfalls.Want to know more about Joe Paldino and his services? Website:  https://jpalcpa.comPhone:  (914) 253-6857Facebook Page:  https://facebook.com/61564304345871Licensed to practice in the state of New YorkChapter Markers[00:00:00] Welcome to EnRich Your Life – Introduction by Rich Leimgruber[00:00:49] Meet Joe Paldino, CPA [00:03:01] Joe’s Unexpected Path to Accounting – From music dreams to CPA[00:04:28] Tax Planning 101: Why Organization Matters[00:06:24] What Documents Should You Send to Your Accountant?[00:08:33] The Most Overlooked Tax Deductions & Why They Matter[00:12:49] Life Events & Tax Changes: Marriage, Kids & More[00:15:44] Audits Aren’t Scary, If your tax return is legitimate and well-documented[00:18:54] Understanding Capital Gains & Tax Brackets[00:19:27] Should You Incorporate? When is the right time?[00:21:58] Tax Refunds: Are You Giving the IRS an Interest-Free Loan?[00:24:28] Final Takeaways: Be Proactive, Plan Ahead!Disclaimer: Richard Leimgruber, nor Onyx Bridge Wealth Group LLC, is affiliated with nor receives any compensation for their relationship with Joe Paldino, CPA. Filmed and recorded at Studio on the Avenue/LMC MediaMamaroneck, NYhttps://lmcmedia.org/Produced and Edited by Vekterlyhttps://www.vekterly.com/Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

Welcome to the EnRich Your Life Podcast! In our premiere episode, we’re kicking off your journey to financial empowerment.  It tackles common misconceptions about financial advisors and delves into the comprehensive services they provide, from investment planning to tax strategies and elder care. Learn about the value of professional financial advice, regardless of your net worth, and how it can help you overcome financial roadblocks and make informed decisions. Tune in for practical strategies to grow, protect, and shape your financial future.Timestamps:00:00 Introduction to Enrich Your Life Podcast01:03 Debunking Myths About Financial Advisors03:19 The True Role of Financial Advisors08:40 Comprehensive Financial Planning Services13:39 Overcoming Financial Roadblocks18:34 The Financial Advisor's Process21:04 Conclusion and Final ThoughtsFilmed and recorded at Studio on the Avenue/LMC MediaMamaroneck, NYhttps://lmcmedia.org/Produced and Edited by Vekterlyhttps://www.vekterly.com/Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.

Launching January 2025!The EnRich Your Life Podcast is your go-to guide for financial empowerment. Hosted by Richard Leimgruber, this podcast breaks down complex money topics into simple, actionable steps to help you grow, protect, and shape your financial future—no matter where you’re starting from. Tune in for practical advice, myth-busting insights, and strategies to enrich your life!Filmed and recorded at Studio on the Avenue/LMC MediaMamaroneck, NYhttps://lmcmedia.org/Produced and Edited by Vekterlyhttps://www.vekterly.com/Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.